Dell Pay Credit Current Credit Card Agreements

The Dell Pay Credit Current Credit Card Agreements filing from Comenity Capital Bank sets out a 35.99% purchase APR, a $35.88 annual fee and a 39.99% penalty rate. The purchase rate sits at roughly the 97th percentile of the 4,587 agreements indexed here.

On the face of the filing

This page covers the agreement Comenity Capital Bank filed for Dell Pay Credit Current Credit Card Agreements. The filing runs 20 pages.

On the record here: a purchase rate, a penalty rate, an annual fee line and a late payment maximum. It is silent on a cash advance rate, a balance transfer rate and a foreign transaction fee.

Pricing the purchase rate

Set beside the rest of the index, the purchase APR of 35.99% lands at the 97th percentile; it ranks among the most expensive figures in the whole collection.

Translating the rate into money

A $1,200 balance left untouched for twelve months accrues about $520 in interest at this purchase rate.

The median purchase rate across the corpus is 21.99%; the same balance there would cost about $295. The gap — roughly $224 a year on $1,200 — is the price of this particular filing over a typical one.

That maths assumes a static balance and nothing else — no payments, no additional purchases, no fees folded in.

The fee structure

The annual fee is $35.88, charged whether or not the card is used. Against the filings here that disclose a fee, that sits at roughly the 84th percentile.

When a payment is late

The agreement discloses penalty pricing of 39.99% — about the 86th percentile of the 794 penalty rates recorded across this index.

That is 4 points above the standard purchase rate. On a $3,000 balance, the shift from 35.99% to 39.99% adds something like $175 of interest over a year — the real cost of the default, quite apart from the fee itself.

$41 is the disclosed ceiling on a late payment fee, placing it near the 89th percentile of the set.

Grace period and minimum charge

A minimum interest charge of $3 applies in any cycle where interest is due, which makes very small revolving balances disproportionately expensive.

How it sits in the issuer's own range

There are 100 filings from Comenity Capital Bank in this index. Their disclosed purchase rates run from 14.74% to 35.99%, and this one at 35.99% is more expensive than 47 of them.

What the filing does not tell you

The disclosure parsed here does not state anything about cash advances, balance transfer terms, a foreign transaction fee and a grace period. Those gaps are gaps in what could be read from the filing, and the PDF may well address them in prose the rate table does not capture.

An agreement filing is not a marketing document. Rewards, perks, welcome offers and eligibility rules are not in it, are not in this dataset, and are therefore not discussed anywhere on this page.

Where the authority sits

This summary stands or falls on the linked PDF — 20 pages. Agreements are amended over time, and the filing reflects the terms as submitted rather than as they stand today.

In short

The defining fact about this filing is the purchase rate: at 35.99% it is in the expensive band of this corpus, and that cost only materialises for someone who revolves a balance. Against that sits the $35.88 annual fee, which is unavoidable once the account is open.